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Health Insurance

Health insurance solutions that fit your needs

Let us help you protect yourself and your loved ones today

Health Insurance

Protecting your own health and that of your loved ones is so important. From the preventive care that helps reduce the risk of developing a preventable illness, to coverage in the event of a serious illness, our individual health products are always by your side, every hour of the day, every day of the year.
Choose between our local and international plans, based on your budget and needs, and enjoy the support of a network of healthcare providers with the best-in-class coverage when you need it most.
Explore our Solutions
Individual Health Insurance
International Major Medical

Individual Health Insurance

International Major Medical

Health Trust

This individual health insurance offers coverage for medical expenses, guaranteeing each insured under the policy lifelong coverage with a renewable annual limit of USD $500,000. It includes life insurance protection of USD $20,000 for the primary insured, repatriation expenses up to USD $3,000, and funeral expenses up to USD $2,000.
Health Trust offers you extensive local and international coverage under the global PALIGMED network, including medical expenses, 100 percent coverage of emergencies from accidents, critical illness emergencies, hospitalization, outpatient surgeries, preventive exams, maternity, cancer treatments, outpatient expenses with co-payment, telemedicine service, 24-hour medical assistance, and other benefits. Features:
  • Policyholder and spouse aged 18 to 65, with residence in Panama
  • Foreigners can apply for local coverage with their valid immigration card
  • Dependent children up to 25 years old
  • Children from 18 months to 18 years old
  • Medical exams starting at age 50 (attained age)
Summary of Benefits:
  • Maternity coverage
  • Healthy newborn coverage up to USD 10,000
  • Outpatient surgeries with special co-payments at the leading hospitals in the country
  • Single hospitalization co-payment for the first 10 days
  • Inclusion of dental emergency service
Think about everyone that depends on you today. Your Health Trust insurance is here to take care of you and everyone you love.

Family Medical Care

Family Medical Care is a medical expense insurance designed to protect the well-being of your entire family, including the elderly. Each insured under the policy receives local coverage with a renewable annual limit of USD $50,000 for medical expenses, emergencies, hospitalization, outpatient and elective surgeries, preventive checkups, and other benefits.
The plan offers individual coverage for children. Family Medical Care accepts up to three preexisting conditions and offers guaranteed policy renewal for life.
Features:
  • Policyholder and spouse aged 18 to 75, with residence in Panama
  • Foreigners apply under the same requirements as citizens, with a valid passport
  • Dependent children from 2 months to 18 years old
  • Children can be insured individually, from 2 months to 18 years old
  • Up to three pre-existing conditions are accepted
  • Guaranteed lifetime renewal
  • Telemedicine service and 24-hour medical assistance
Think about everyone that depends on you today. Your Family Medical Care insurance is here to take care of you and everyone you love.

FlexiCancer

This individual health insurance policy offers you financial support to help cover medical and hospital expenses resulting from a cancer diagnosis. FlexiCancer provides insureds with benefits that supplement other coverage.
It offers individual coverage and coverage for your entire family; the premium for family coverage is the same, regardless of the size of your family. The waiting period is 91 days from the policy’s effective date.
Summary of Benefits:
  • Inpatient hospital coverage
  • Income protection benefit
  • Daily benefit for private physician and nurses
  • Medical fees for surgery (for each surgical procedure)
  • Treatments such as chemotherapy, radiotherapy, cobalt therapy, and x-rays (per year)
  • Blood and plasma benefit
  • Local ambulance and air transport (per year)
Think about everyone that depends on you today. Your FlexiCancer insurance is here to take care of you and everyone you love.

Health Trust

Family Medical Care

FlexiCancer

This individual health insurance offers coverage for medical expenses, guaranteeing each insured under the policy lifelong coverage with a renewable annual limit of USD $500,000. It includes life insurance protection of USD $20,000 for the primary insured, repatriation expenses up to USD $3,000, and funeral expenses up to USD $2,000.
Health Trust offers you extensive local and international coverage under the global PALIGMED network, including medical expenses, 100 percent coverage of emergencies from accidents, critical illness emergencies, hospitalization, outpatient surgeries, preventive exams, maternity, cancer treatments, outpatient expenses with co-payment, telemedicine service, 24-hour medical assistance, and other benefits. Features:
  • Policyholder and spouse aged 18 to 65, with residence in Panama
  • Foreigners can apply for local coverage with their valid immigration card
  • Dependent children up to 25 years old
  • Children from 18 months to 18 years old
  • Medical exams starting at age 50 (attained age)
Summary of Benefits:
  • Maternity coverage
  • Healthy newborn coverage up to USD 10,000
  • Outpatient surgeries with special co-payments at the leading hospitals in the country
  • Single hospitalization co-payment for the first 10 days
  • Inclusion of dental emergency service
Think about everyone that depends on you today. Your Health Trust insurance is here to take care of you and everyone you love.
This is not an offer or solicitation to sell insurance products. The information above constitutes a summary of the different product benefits. It is not a contract or agreement. All products are subject to exclusions and other applicable terms and conditions.

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